Why is this such a pain?
If it's the notary...we went to Wells Fargo, asked for a notary. We don't bank with them at WOULD NOT bank with them due to past experiences, but they let us use a notary for no fee, when signing our original paperwork. It was during the time that Wamu was becoming Chase, and Wamu (our bank) refused to notarize anything b/c it had "mortgage" on it, which is why we sought out WF, but they do "keep" notaries on hand for signing things for their customers!
And MIL used a notary's services, again for no cost, at BOA for some things she had to deal with as well. We've never had a problem getting a notary's services for free when we have needed it.
So get it signed and send it in! Just don't understand the problem... (and am trying to help, if it's the annoyance of perceived cost of a notary that's the problem)